Are you looking to elevate your luxury car to new heights? Accessories can elevate your driving experience while adding practicality and refinement to your automobile. Here's a curated list of some of the best luxury car accessories that blend design, comfort, and functionality.

List of best luxury car accessories

When it comes to premium vehicles, every detail counts. A luxury car is more than simply a mode of transportation; it's a statement of refinement, style, and outstanding craftsmanship. The appropriate accessories elevate a great car to a personalised masterpiece that suits your preferences and demands. Let us look at some of the best luxury car accessories:

1. Premium custom floor mats

Your premium vehicle deserves more than conventional floor mats. High-end bespoke floor mats made of premium materials such as Alcantara or genuine leather preserve your car's interior and improve its aesthetics.

These made-to-measure mats give a flawless fit while providing better dirt and wear protection, ensuring your car's flooring remains clean for many years.

2. Advanced audio systems

A high-quality audio system may transform your commute into an engaging experience. Premium manufacturers like Bang & Olufsen and Harman Kardon provide specifically tuned systems with crystal-clear sound quality.

With precisely tuned acoustics and outstanding sound isolation, these systems deliver an extraordinary audio experience worthy of your vehicle's premium status.

3. Custom leather upholstery

While most luxury automobiles have leather interiors, upgrading to personalised leather seat covers may improve comfort and elegance. Premium Nappa leather or suede alternatives, with personalised stitching patterns and colour combinations, can transform your vehicle's interior while improving durability and comfort.

4. Ambient lighting

Custom ambient lighting may help create a refined ambience. Modern LED systems have customisable colour and brightness settings, allowing you to change the atmosphere of your car's interior to match your mood.

Strategic placement around the dashboard, footwells, and door panels may may enhance your driving experience.

Conclusion

The right luxury automobile accessories may dramatically improve your driving experience while boosting your vehicle's value. Whether you're looking for comfort, performance, or safety—these carefully designed upgrades may elevate your luxury vehicle to the next level.

When purchasing luxury vehicle accessories, examine and renew your car insurance coverage. A comprehensive car insurance is an important part of preserving your investment. Keeping your policy up to date guarantees that your valued property is fully protected. This extra precaution to secure your investment will allow you to enjoy your improved driving experience with total peace of mind.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

The Indian automobile market has experienced a significant boost, growing at an impressive rate of 12.5% in the last financial year. In this rapidly growing market, hybrid cars are gaining traction due to their blend of luxury, efficiency, and cutting-edge technology.

These vehicles also improve the driving experience and contribute positively to environmental sustainability. Read on to discover some of the best hybrid engine cars available in the Indian market.

List of best hybrid engine cars

Here is a list of some of the best hybrid engine cars in India:

1. Maruti Suzuki Grand Vitara: ₹11.19 - ₹20.09 Lakhs (Approx.)(Ex-showroom price)

This SUV has a 1490 cc engine capacity with a mileage of 27.97 kmpl, which makes it efficient and powerful. This model has a seating capacity of 5 and includes safety features like airbags, ABS, and electronic stability control.

2. Toyota Urban Cruiser Hyryder: ₹11.14 - ₹19.99 Lakhs (Approx.)(Ex-showroom price)

This compact SUV comes with a modern design and spacious interior. This car features a 1490 cc engine that delivers a mileage of 27.97 kmpl. Its features include airbags, Anti-Lock Braking System (ABS), and a 360-degree camera.

3. Toyota Innova Hycross: ₹19.70 - ₹31.34 Lakhs (Approx.)(Ex-showroom price)

This multi-purpose vehicle is designed for family comfort, seating up to 8 people. It combines a 1987 cc engine with an electric motor and offers a mileage of 23.24 kmpl. It is also equipped with cruise control and parking sensors.

4. Mercedes-Benz C-Class: ₹59.40 - ₹66.25 Lakhs (Approx.)(Ex-showroom price)

This luxury sedan features a 1999 cc engine with a mileage of 17 to 23 kmpl. It is equipped with features like front fog lights, automatic climate control, and parking sensors.

5. Lexus ES: ₹64 Lakhs to ₹69.70 Lakhs (Approx.)(Ex-showroom price)

It is a luxurious SUV with a 2487 cc engine with a mileage of 18 kmpl. It includes top-tier features like a lane change indicator, automatic climate control, and cruise control.

6. Toyota Camry: ₹48 Lakhs (Approx.)(Ex-showroom price)

The Camry is a medium-sized sedan known for its smooth driving experience. It features a 2487 cc engine with a mileage of 25.49 kmpl. The model includes parking sensors, 3 drive modes, and fog lights.

Conclusion

As the world transitions toward a more sustainable transportation system, hybrid cars are set to play a pivotal role in shaping the future of mobility. While comprehensive insurance provides complete protection, remember to acquire adequate car insurance, as mandated by the Motor Vehicles Act of 1988. An appropriate policy safeguards against potential accidents, theft, and damage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Reverse parking your vehicle like a pro entails parking skillfully and safely. It involves finding a good parking space, being cautious, and using your mirrors and signals keenly as you manoeuvre your car. Read on to learn how to reverse park like a pro.

Tips on how to reverse park like a pro

Discover how to reverse park like a pro with these simple steps.

1. Find a good parking space

Find an appropriate parking space, and ensure your car isn't sandwiched between two vehicles. For beginners, parking next to just one car can feel less intimidating.

2. Switch on your turn signal

Use the turn signal to indicate your intended parking direction to other drivers and pedestrians. Combined with your reverse lights, this ensures those behind you know you’re about to reverse into the space you just passed. You can find out how to use the turn signal here.

3. Rotate your steering wheel

Turn your car into reverse and rotate the wheels as far as possible. Rotate your wheel in the same direction as the parking spot. Turn the wheel to the right if the parking space is on the right.

4. Check behind you

Before reversing into a parking space, check your surroundings and focus on your vehicle’s path. While a backup camera can be helpful, avoid relying on it entirely—use your mirrors and direct vision for better awareness.

5. Align your car wheels

Once the car's rear bumper goes midway into the parking lot, slowly straighten the wheels. A backup camera can also help you see whether your wheels are parallel on the screen.

6. Make necessary adjustments

You can open the car door or look out of the window to see where the parking line is. If you're too close to the line on one side, pull forward and adjust to the right angle to go back in a straight line. Once you park correctly, engage the handbrake and turn off the engine.

Conclusion

Reverse parking requires patience and practice, but with time, you can master the skill. Yet, even the most skilled drivers aren’t immune to unexpected situations like minor bumps, scratches, or accidents. This is where having the right car insurance becomes essential. A comprehensive insurance policy can provide financial coverage against unforeseen road incidents, such as accidents, natural calamities, car damage, or theft.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

All vehicles have to pay a road tax for plying on roads anywhere in India. The Punjab road tax for other state vehicle is governed by the state’s Motor Vehicles Taxation Act.

Road Tax for Other State Vehicles in Punjab

Road tax levied on vehicles plying in Punjab but not registered in the state varies as per category. Transport vehicles with a seating capacity of up to 10 passengers have to pay INR 200 as the border fee while the amount is INR 1,500 for all other non-Punjab vehicles, excluding three-wheelers.

Conclusion

Road tax is mandatorily imposed on all vehicles in India and anyone failing to pay it is levied a penalty. It is also illegal to drive without a car insurance policy in the country.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Registration is the next step after buying a vehicle, and the process is completed at the regional transport office upon payment of a fee. New car registration charges in Haryana are uniform across all vehicles.

Vehicle Registration and Related Charges in Haryana

The fees payable for vehicle registration and related documentation in Haryana are thus:

• Registration: INR 600
• Temporary Registration (1 month): INR 1,200-1,500
• Hypothecation Charges+Termination: INR 1,500+100
• Duplicate RC: INR 50
• Driving Licence: INR 200
• Fitness Certificate: INR 200
• Service Charge: INR 50

Conclusion

Car road tax in Haryana payment is a relatively simple process and is mandatory for every vehicle. Furthermore, a car insurance policy is another must-have for all car owners in India, including in Haryana.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Road tax payment online Telangana is a straightforward process that has made paying road taxes much easier than in the past. You can do so sitting comfortably in your home; it is easy, quick, and convenient to manage your Telangana road tax online payment.

How to Pay Telangana Road Tax?

To digitally pay your Telangana road tax payment, you must access the official website of the department. Do the following to complete your TS road tax payment online:

• Go to the Telangana Transport Department website.
• Check for the “Citizen Services” tab and choose “Online Services”.
• Click the TS RTA tax payment service to pay the taxes due on your motorised road machine(s).
• Share your vehicle registration number, including any other information that may be required.
• Cross-check the details you have filled in before completing your TS transport road tax online payment.
• If paying with a credit/debit card is not your preferred option, you can go for online/banking UPIs, among others.
• If you have been fined, you will be notified electronically, so make sure to save this information.

This technique will significantly ease the workflow of the online road tax payment Telangana process and reduce queues and paperwork. Remember to also have a valid car insurance policy because this is a legal requirement for hassle-free driving.

Conclusion

Settling your TS transport tax payment online is an easy and quick way. Opting for online TS vehicle tax payment saves time and keeps track of all your tax obligations. Do not miss any Telangana vehicle tax payment to enjoy a great time driving.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

In Uttar Pradesh as in other Indian states, vehicle drivers must pay their road taxes as one of the mandatory requirements. Car owners can now pay online UP road tax, making the process convenient and less time-consuming.

How to Pay Uttar Pradesh Road Tax Online?

The Uttar Pradesh government offers an online platform to pay vehicle taxes online, thus making the process easy. To complete your online road tax payment UP, follow these simple steps:

• Visit the official website: Visit the official website, which is the Uttar Pradesh Transport Department's payment gateway. Select “Tax Payment” under the "Online Services" tab.
• Enter Vehicle Details: Enter your car's registration number and the last five characters of its chassis number.
• Verify the Information: Ensure details about your vehicle, such as brand, model, and ownership are correctly recorded.
• Calculate the Road Tax: The system automatically calculates the amount depending on the vehicle’s category and age.
• Complete Payment: Now, choose how you want to pay (net banking, debit/credit card) and enter confirm.
• Receive Payment Confirmation: When the payment is successful, an e-receipt will be generated, which you must save.

This straightforward procedure ensures that your online road tax payment Uttar Pradesh is fast, safe, and stress-free.

Conclusion

The procedure of online vehicle tax payment UP has made it possible to settle your tax dues without trouble. Now, you can clear any dues over the Internet within minutes and without going anywhere. Also, ensure you have a valid car insurance policy as you will be penalised if you are caught driving without one.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Road tax in Kerala forms an important fee and must be paid by every vehicle owner. Revenue from road tax funds road maintenance and infrastructure improvements, assuring smooth travel across one of the most picturesque states of India.

Kerala RTO Tax Rate Calculation

The following are the parameters for Kerala road tax calculation based on which road tax is payable by car owners:

• Vehicle Type: Whether it's a two-wheeler, four-wheeler, or commercial vehicle
• Purpose: Personal or commercial use
• Vehicle Age: The older the vehicle, the lower the tax
• Green Tax: Older vehicles may be subject to an additional tax to encourage eco-friendliness

For example, the road tax for a four-wheeler costing up to ₹5 lakh is 9%, while it shoots up to 21% when the vehicle costs over ₹20 lakh. For two-wheelers, it starts at 10% on bikes with a price tag of up to ₹1 lakh. You can get the exact figures with online calculators.

Conclusion

Understanding how to calculate road tax in Kerala will ease your vehicle ownership experience in a big way. Payment on time helps the authorities in keeping the roads of Kerala safe and well-maintained, thus creating a better driving experience for all. A car insurance policy is another indispensable document car owners must purchase to remain free from the anxiety that defaulting brings.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

In Gujarat, road tax is levied by the state government’s transport department. Paying road tax is a must for all vehicle owners. To comply with the state's regulations, one should know how the Gujarat road tax calculation is done.

How is Road Tax Calculated in Gujarat?

Road tax in Gujarat is determined based on the vehicle's type, age, and capacity. For instance:

• Two-wheelers less than 8 years old: 6% of the vehicle’s cost
• Two-wheelers 8-15 years old: 15% of the vehicle’s cost
• Vehicles over 15 years old: 1% of the vehicle’s cost
• Four-wheelers: A flat rate of 6% of the vehicle’s cost for non-transport private vehicles.

Taxes are collected in a lump sum and apply to both new and used vehicles.

Conclusion

Knowing what Gujarat road tax is and how it is calculated ensures that you abide by the law. Similarly, make sure your car insurance policy is valid as you stand to gain in the event of any untoward incidents.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

In today's urban driving setting, safety and comfort features have become crucial factors in picking a car. Among these features, the 360-degree camera system has emerged as a game-changer, giving drivers a complete view of their surroundings and making driving in tight areas a breeze. Let’s discover some of the best cars with 360 camera.

List of best cars with 360 degree camera

Modern urban driving presents numerous challenges, from managing busy parking lots to manoeuvring small streets. The 360-degree camera system merges feeds from multiple cameras around the car to create a bird' s-eye view, successfully removing blind spots, and lowering the risk of accidents. Here are the best cars with 360 camera:

1. Maruti Suzuki Dzire

The Maruti Suzuki Dzire has changed the compact car market by offering luxury features at an affordable price point. Its impressive 360-degree camera system provides clear vision and views from multiple positions, which is useful during city driving.

• Price: 6.84 - 10.19 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 71 kmpl
• Trims with 360-degree camera: ZXi+

2. Tata Curvv

Tata Motors has made major advances in car technology with the Curvv. Its 360-degree camera system displays exceptional clarity and speed. The system interacts smoothly with the vehicle's entertainment display, and the interface is simple enough for drivers of all skill levels.

• Price: 10.00 - 19.20 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 15 kmpl
• Trims with 360-degree camera: Creative+ S, Accomplished+ A

3. Hyundai Creta

The Hyundai Creta's SX(O) version improves the driving experience with its advanced 360-degree camera application. The system's high-resolution screens and various watching points make it particularly effective in difficult parking situations.

• Price: 11.11 - 20.42 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 8 kmpl
• Trims with 360-degree camera: SX(O)

4. Mahindra XUV 700

The XUV700's AX7L version highlights Mahindra's technological ability with its advanced 360-degree camera system. The camera quality and screen sharpness are notably better, allowing crystal-clear vision even in low-light situations.

• Price: 13.99 - 25.74 Lakhs (Approx.)(Ex-showroom price)
• Mileage: 17 kmpl
• Trims with 360-degree camera: AX7L

Conclusion

The addition of 360-degree camera systems in these cars marks a major step in making advanced safety features more available to Indian customers. As this technology becomes more common, consumers can expect more unique applications across different price ranges in future. While a 360-degree camera system provides excellent protection against small accidents and parking mistakes, it's crucial to remember that technology alone cannot promise total safety on the road.

Combining these improved safety features with comprehensive car insurance is important. A robust car insurance policy protects you against unexpected accidents, natural disasters, theft, and third-party claims.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Some unique problems come with living in rural India, especially when getting around. Because the roads aren't always in good shape, they can be wet during the monsoons or rough and uneven all year. You need a car that can tackle these challenges while remaining practical for daily use.

Let's look at some of India's best cars for rural areas.

List of best cars for Indian rural roads

Vehicles that are great for rural areas must be long-lasting, easy to maintain, and have good mileage. Local service networks and the ease of getting spare parts are important factors that often affect buying choices.

The vehicle should be able to handle both family transportation and rare load-carrying needs. Here are some of the best cars for rural areas:

1. Mahindra Bolero

Mahindra Bolero is one of the most reliable vehicles in rural areas. Its strong build quality and simple engine design make it ideal for rough terrain. The vehicle's commanding ground clearance helps it handle waterlogged roads during monsoons, while its roomy cabin is useful for family trips and transporting farm goods.

• Engine Capacity: 1493 cc
• Mileage: 16 kmpl
• Price: 9.79 - 10.91 Lakh

2. Maruti Suzuki S-Presso

The S-Presso is a great choice for rural families who want an inexpensive, multi-purpose car. Its small size makes it great for getting around on compact village roads, and the high seat position makes it easy to see. The car's lightweight design also improves fuel economy, making it appropriate for daily use.

• Engine Capacity: 998 cc
• Mileage: 3 kmpl
• Price: 4.26 - 6.12 Lakh

3. Mahindra Scorpio

The Scorpio’s strong engine easily handles steep inclines, while the robust suspension system softens the worst road flaws. The vehicle's powerful road appearance and comfortable cabin make it perfect for work and home use.

• Engine Capacity: 2184 cc
• Mileage: 44 kmpl
• Price: 13.62 - 17.50 Lakh

4. Maruti Suzuki Brezza

The Brezza’s balanced form offers good ground clearance without compromising on comfort. Its steady performance and size make it ideal for rural roads and highway trips. Smart features like hill-hold assist prove useful on tricky terrains, while the efficient engine ensures reasonable running costs.

• Engine Capacity: 1462 cc
• Mileage: 8 kmpl
• Price: 8.54 - 14.14 Lakh

Conclusion

Remember that the best car for country roads isn't usually the most expensive or feature-loaded choice. It's the one that offers the right mix of sturdiness, usefulness, and value for your unique case.

Securing the right car insurance is a crucial step in protecting your investment. While basic third-party insurance is required by law, choosing complete coverage provides much-needed defence against various events. Look for car insurance plans that offer benefits like zero depreciation coverage, 24/7 service assistance, and engine security.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Are you on an exciting journey of buying a brand new car? It's a significant investment, right up there with purchasing a house. But unlike a house, a car is a depreciating asset. Buying a car goes beyond the desire for comfort and convenience. A car often reflects your social and financial standing. However, it's important to remember that there are other expenses to consider along with the car's cost. Determining a budget that aligns with your financial health and long-term goals is crucial. Let's dive into the key considerations when calculating your new car budget in India.

Things to consider when calculating your budget for a new car

When calculating your budget for a new car, several crucial factors must be considered. Consider the following factors to calculate car budget, including:

• Thumb rule: Set a reasonable budget

If you are wondering about "what car can I afford based on salary?" follow this thumb rule. A fundamental thumb rule to abide by when determining your budget for a new car is to avoid allocating more than half of your annual income to this purchase. This pragmatic guideline ensures a balanced approach to car affordability while safeguarding your overall financial stability.   

So, if you’re wondering “how do I know if I can afford a car?”, consider an illustrative scenario: if your annual income stands at ₹10 Lakhs, a reasonable budget would entail earmarking around ₹5 Lakhs for the car's cost. However, it's crucial to emphasise that this thumb rule doesn't solely encompass the car's ex-showroom price. Instead, it extends to the on-road price, which includes expenses like road tax, registration charges, and car insurance premiums. This comprehensive view provides a more accurate reflection of the actual costs of acquiring the vehicle.

When opting for a car loan, the thumb rule extends further to encompass the 20/4/10 principle. It entails initiating the purchase with a down payment of 20% of the car's price. Subsequently, securing a loan tenure within four years is recommended to avoid prolonged interest payment durations. Additionally, ensuring that your car-related expenses, including EMIs and car insurance, collectively remain within 10% of your monthly salary underpins prudent financial management.

• Choose between new or old.

Consider your needs rather than just your wants. If budget constraints come into play, don't overlook the option of a used car. Used cars can be up to 30% - 40% cheaper, depending on their age and condition. However, remember to account for potential maintenance costs and steer clear of vehicles older than five years.

• Buying the right size

Choose a car size that suits your family's needs and lifestyle. A hatchback or sedan might be ideal for a family of four, while a Multi Utility Vehicle (MUV) could be a better fit for larger families. Opting for a smaller model, when possible, can lead to cost savings.

• Avoid negative compounding

Eligibility for a loan doesn't necessarily equate to affordability. Going beyond your budget can lead to negative compounding – the more you borrow, the higher your interest payments. Be cautious not to be lured into a larger loan than you can comfortably manage.

• Contemplate maintenance costs

Remember, owning a car means ongoing expenses. Consider factors like insurance premiums, maintenance, fuel, and service costs. Over time, these seemingly minor expenses can accumulate and impact your financial well-being. Scrutinise the car's technical specifications, such as transmission modes and fuel types, to ensure they align with your budget.

• More savings than EMI

Your car's Equated Monthly Instalments (EMIs) should not consume more than 10% of your savings. Ensure you're setting aside more funds than you allocate toward your car payments. If your EMIs exceed this threshold, consider postponing your purchase until your financial situation strengthens.

How to calculate the budget for your car?           

When wondering “how to know if I can afford a car”, you must learn basic steps to calculate the car's budget. Calculating your car budget entails several essential steps:

• Check the on-road price

Before finalising your car budget, thoroughly examine the on-road price. This comprehensive figure includes the car's base cost and additional expenses like taxes, registration fees, and car insurance. Understanding the on-road price gives you a clearer picture of the overall investment required for your chosen vehicle.

• Consider the monthly payments.

Calculate the monthly payments, including EMIs (Equated Monthly Instalments), and you'll need to allocate this for your car purchase accordingly. This step is crucial if you're opting for a car loan. Ensuring that the monthly payments fit comfortably within your financial capacity is essential.

• Access your down payment.

Determine the amount you can allocate as a down payment for the car. You should know that a higher down payment lowers the loan amount, leading to lower monthly payments. Assessing your down payment capability helps you tailor your car budget to suit your financial situation.

• Check the exchange value of your current vehicle, if any.

If you're replacing an existing vehicle, evaluate its exchange value. A good resale value for your old vehicle can significantly impact your new car's cost, potentially reducing your overall expenditure.

• Consider your total debt.

Take a complete view of your existing financial commitments and debts. Assess whether adding a car loan to your financial portfolio is feasible. Carefully consider your total debt to ensure the new car purchase aligns with your financial stability.

Conclusion

In the exhilarating pursuit of a new car, prudent budgeting is vital. Consider a balanced approach, adhering to a rule of not exceeding half your annual income for the car's cost, including on-road expenses. Opt for practicality between new and used cars, accounting for maintenance costs. Evaluate size, savings-to-EMI ratio, down payment, exchange value, and total debt. Remember, car insurance safeguards your investment, so choose one wisely. With these principles, embark on your car journey confidently and financially prepared.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

Related Articles:

• Buying New Car with Old Manufacturing Date: Pros & Cons
• How to renew car insurance online in India?
• Reasons to Buy a New Car This Ganesh Chaturthi
• Things to Check Before Taking Your New Car Home
• PDI checklist: Pre-Delivery Inspection Meaning

The windshield of a vehicle comprises laminated or solid safety glass; hence, it is a fragile part. It can get shattered or cracked during a collision with another vehicle. It is also possible for the windshield to get damaged when hit by a stone or tree branch while parked on the road under a tree or close to a construction site. Whether it is a small crack or total damage, you have to get it fixed immediately to avoid any accidents due to obstructed vision while still driving the vehicle in that condition. Before heading to a garage, check if your vehicle insurance covers windshield damage.

Does car insurance cover windshield damage?

If you have a doubt in your mind, “Is the windshield covered by insurance?” let’s find out the answer. A comprehensive car insurance policy covers all types of damages caused to a car’s windshield due to collision or non-collision. If you have taken only third-party liability coverage, it will not compensate for the damages to your car. However, comprehensive car insurance coverage includes both own damages and third-party liability coverage; hence damage to the car’s front glass gets covered under insurance if you opt for a comprehensive policy.

Are there any deductibles while filing a damaged windshield claim?

A deductible is the amount an insurance policyholder must pay toward an insured loss before the insurer starts paying for the covered expenses. When you file a damaged windshield insurance claim, you may have to pay a compulsory amount as a deductible. It gets calculated according to the percentage you chose at the time of policy purchase. Only some vehicle insurance companies charge a deductible to the car owners when they file a claim against a car’s windshield damage, i.e., if it gets stated in the policy. However, certain insurers do not make the policyholders pay the deductible for a windscreen repair if the policyholder hasn’t agreed to the deductible clause. If required, compare the total charge for repair or replacement of the windshield and the deductible amount before raising the claim for damage. If the cost of maintenance or renewal of the windscreen is less or slightly greater than the deductible amount, then it is not worth filing a claim.

Types of windshield damages that your car insurance covers

A comprehensive car insurance policy covers the cost of repairing or replacing a chipped, cracked, or shattered windscreen only if the damage gets caused by specific sources listed by the insurance company. The common sources of damage covered under a car insurance plan are listed below.

• Collision with another vehicle
• Tree branches falling on the glass
• Rocks, pebbles, or any other debris hitting the windscreen while driving or when parked on the side of the road.
• Hail falling on the glass during a hailstorm
• Animal colliding with the car’s windscreen
• Plant pots, coconuts, or any other heavy items falling on the glass
• A ball hits the car’s windscreen
• During vandalism, if someone breaks the car’s windshield with a stone or stick

How to file a claim for a damaged windshield?

After an accident, contact your insurance provider immediately to initiate the claim process. Here we have listed the steps on how to claim insurance for car windscreen damage.

• Immediately after the accident, inform the police and file an FIR.
• Declare the damage to the insurance agency and file a claim for windshield damage.
• Take your vehicle to a garage where your insurer has a tie-up to get a cashless service.
• You can also get the vehicle serviced at any repair shop other than a network garage; you need to file for reimbursement later. Remember to produce the receipts to the insurance company when claiming reimbursement.
• The insurer will pay for the expense if the insurance plan covers the circumstances that caused the damage.

Conclusion

Now you have the answer to your doubt — is the front glass of the car covered by insurance? Repairing or replacing a car’s damaged windshield is expensive maintenance work. So, when an unfortunate event that shatters or cracks your vehicle's windscreen happens, immediately inform the police about it. Then proceed with the insurance claim process without any delay. You can raise the claim by submitting a written application at the insurance company’s office or filling up an online form on their website.

Frequently Asked Questions

1.    Will my car insurance policy cover my car's damaged windshield?

Yes, if you have a comprehensive car insurance policy in hand, it will cover the expense of repairing or replacing a damaged windshield. The only condition is that the source of the damage should get covered under the policy to get compensation.

2.    When should I avoid filing for a damaged windshield?

If the cost of repairing or replacing a damaged windscreen is slightly higher or lower than the deductible amount, then it is not ideal to make an insurance claim.

3.    Does filing for a claim increase my car insurance premium?

Yes, filing for a claim can increase the insurance premium. This is because an accident claim makes you appear a risky customer to the insurance company; hence your insurer will charge you a higher car insurance renewal premium.

4.    Does third-party car insurance offer coverage against damaged windshields?

No, your third-party liability insurance does not provide coverage against windshield damage. You will need comprehensive car insurance to get compensation for the repair or replacement expense of the windscreen.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

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• Own Damage vs. Third-Party Insurance: Key Differences
• Rodent Damage: Does Car Insurance Cover Rodent Damage?
• Understanding Car Insurance Coverage for Tyre Damage
• Windshield Wiper Tips for Monsoon: Take Care of Your Windshield Wipers

You may know about NCB or the No-Claim Bonus in car insurance. But do you know about the NCB Protector add-on cover? This cover can help you keep your accumulated NCB intact, even if you make a claim in a policy year. Yes, you read that right. But now you’re thinking, how is it possible? 

Let’s dive into what an NCB Protector is and how you can avail of it. 

What is NCB protector in car insurance?  

The No-Claim Bonus Protector in a car insurance policy lets you maintain your NCB, provided you make only three claims in a policy year. 

The NCB is a reward that the insurance provider gives to the policyholder in case he/she does not make any claim during the policy term. This reward is a discount on the premium during policy renewal. If you make an insurance claim during a year without the NCB add-on, you will lose your accumulated NCB.  

The NCB Protector is a way of protecting your No-Claim Bonus that you have earned in the event of your own damage, total or partial loss, including claims for windshield glass, theft of car accesries or vehicle, etc. 

Benefits of NCB in Car Insurance  

Listed below are the advantages of NCB in car insurance. 

 Discount on Renewal 

You will have to pay a lower premium than the amount paid earlier.  

 Higher Savings 

NCB can be incremental if you do not claim for five consecutive policy years. 

 Transferable 

You can carry it forward if you have plans to sell your vehicle and purchase a new one. As NCB is associated with the owner and not the vehicle, you also have the option to port your policy from one insurer to another.  

How Much Does A No Claim Bonus Protection Add-On Cost? 

You must keep renewing your car insurance policy without any lapses to maintain your NCB. As there is a year-on-year increment, you can avail of up to 50% discount on the premium if you do not make any claim for 5 consecutive policy years. The price for the NCB Protection add-on ranges between 5% and 10% of your overall policy premium.   

Who Should Opt for A No-Claim Bonus Protection Cover? 

The no-claim bonus protection cover can be opted by - 

• anyone who owns a car and has a valid comprehensive car insurance policy
• any owner whose car is vulnerable to damages and there are higher chances of the owner making a claim
• any person who has a car for 2 years and is not willing to let go of the accumulated NCB

Things to Remember about NCB in India 

There are several important things to remember about the NCB in our country, such as – 

· Termination period of the NCB 

NCB can be terminated if you do not renew it within 90 days of the expiry term or raise a claim without the NCB protection add-on.  

· NCB and the Claim 

If you make a claim without having the NCB protection add-on cover, the NCB will be terminated. 

· Proof of the NCB 

The NCB certificate that you have obtained from the insurance provider acts as the NCB proof. 

· NCB for Commercial vehicles 

You have to be careful concerning the terms and conditions of commercial vehicles in India, as the NCB terms differ from one insurer to another. 

Why Opt for No-Claim Bonus Protection Cover?  

Choosing a No-Claim Bonus (NCB) Protection Cover is like adding a layer of additional security to your car insurance policy. 

• No Claim Bonus Protection Cover ensures that the accumulated NCB remains unaffected, even if you make a maximum of three claims within the policy tenure.
• By securing the NCB Protection Cover, you safeguard the discount you receive upon policy renewal. Opting for this cover is a smart move for those who want to secure their insurance benefits while having the flexibility to file claims when required.

Conclusion  

The No-Claim Bonus (NCB) Protector is a vital add-on for car insurance policyholders looking for ways to secure their NCB despite making claims. This cover not only ensures continued discounts on timely policy renewals but also offers flexibility in making a claim without losing the accumulated NCB. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.   

In the ever-changing automotive market, selecting the perfect hatchback that meets your needs and expectations could be tricky. An array of options is available in the market, all competing to be recognised as the top hatchback in the country. Some of the top features of these compact cars include enhanced fuel efficiency and advanced technology.

As we explore the realm of hatchback cars in India, it's crucial to focus on their standout features and consider the integral aspect of car insurance, ensuring a comprehensive and secure driving experience.

Detailed List of the Best Hatchback Cars in India

1. Maruti Suzuki Swift

The Maruti Suzuki Swift is one of the best hatchbacks in India that combines power with efficiency. It boasts an ARAI mileage of 22.56 kmpl and is equipped with an 1197 cc, 4-cylinder petrol engine that delivers robust performance—88.50 bhp at 6000 rpm and 113 Nm torque at 4400 rpm. With seating for five passengers, the Swift offers the convenience of automatic transmission. Its compact yet practical design extends to a boot space of 268 litres, making it an adaptable choice for needs.

The Maruti Swift's fuel efficiency, performance, and compact design position it as a compelling option among leading hatchbacks.

2. Maruti Baleno

This hatchback stands out for its fuel efficiency with an ARAI mileage of 22.94 kmpl and a city mileage of 19.0 kmpl. Its power comes from an 1197 cc, 4-cylinder petrol engine that generates 88.50 bhp at 6000 rpm and a torque of 113 Nm at 4400 rpm. It comfortably accommodates five passengers and has a transmission spacious boot capacity of 318 litres and a fuel tank capacity of 37 litres.

Additionally, over five years, the average service cost for Baleno amounts to over Rs 5000, making it an economical choice in the hatchback segment.

3. Hyundai i20

Hyundai i20 is another compelling hatchback option in the market with an affordable price. i20 offers an ARAI mileage rating of around kmpl, making it suitable for urban commutes and long-distance drives. Its performance is powered by a combination of an 1197 cc, 4-cylinder petrol engine that outputs 86.76bhp at 6000 rpm along with 114.7 Nm torque at 4200 rpm. It features an automatic transmission, ensuring a smooth driving experience.

The hatchback comes with a boot space of 351 litres, providing room for luggage. The i20 lineup offers five variants, Era, Magna, Sportz, Asta and Asta (O), which cater to various preferences and needs in the hatchback segment.

4. Tata Altroz

Tata Altroz offers a range of features across its six variants: XE, XM, XM+ XT, XZ and XZ+. Its boot capacity ranges from 210 to 345 litres and accommodates various needs. Altroz provides three engine options. A 1.2-litre aspirated petrol engine, a 1.2-litre turbo petrol engine, and a 1.5-litre diesel engine are all paired with a 5-speed manual transmission.

Equipped with a 7-inch touchscreen infotainment system, ambient lighting, cruise control, and even a single-pane sunroof, Altroz offers an enhanced premium driving experience. Additionally, customisation options add to its attractiveness in the hatchback market.

5. Maruti Celerio

This compact hatchback comes with a boot space of 313 litres. It is powered by a 1-litre petrol engine (67 PS/89 Nm) with either a 5-speed manual transmission or a 5-speed AMT. The CNG version offers a claimed mileage of 35.6 km/kg with the 5-speed transmission.

In terms of features, Celerio includes a 7-inch touchscreen push button for start/stop, keyless entry, and manual AC to enhance the driving experience. With its mileage figures and range of features, Maruti Celerio is a choice for budget-conscious buyers looking for practicality and efficiency.

6. Tata Tiago EV

Tata Tiago comes in five vibrant colours. It offers options for battery packs with capacities of 19.2 kWh and 24 kWh, providing a claimed range of 250 km to 315 km. Charging options are convenient, including a DC charger that can charge from 10% to 80% in 57 minutes.

Packed with features such as a 7-inch touchscreen, Harman sound system, auto AC, dual airbags and TPMS for safety measures, the Tiago EV combines sustainability with amenities to offer an eco-friendly and enjoyable driving experience.

7. Toyota Glanza

Toyota Glanza has a 1.2-litre Dualjet petrol engine (90 PS/113 Nm). It can be paired with a 5-speed manual or a 5-speed AMT transmission. The CNG mode, combined with the 5-speed manual transmission, offers a fuel efficiency of 30.61 km/kg.

Glanza boasts a 9-inch touchscreen display, heads-up display, 360-degree camera system, automatic climate control with rear AC vents and cruise control. With its rounded features and rich offerings in the hatchback segment, Glanza stands as a well-rounded choice.

8. Citroen C3

Citroen C3 Aircross is a spacious hatchback that comfortably accommodates five passengers and provides ample boot space of 315 litres. It offers fuel efficiency ratings of around 19.8 kmpl and 19.44 kmpl, respectively, for city and highway driving conditions to ensure journeys.

C3 Aircross has a user system featuring a large 10.2-inch touchscreen display that connects Android Auto and Apple CarPlay platforms and an array of car features totalling up to 35 options for convenience. Safety comes first with Citroen C3 Aircross, which is equipped with dual front airbags, ABS, EBD, a reversing camera, and rear parking sensors.

9. Renault Kwid

Renault Kwid offers five variants: RXE, RXL, RXL (O) RXT and Climber. There's also an edition called 'Urban Night,' based on the RXT variant. You'll also have plenty of colour options—six monotone and two dual-tone options. Renault Kwid boasts an 8-inch system that supports Android Auto and Apple CarPlay.

Other features include entry, manual AC for comfort control and electrically adjustable ORVMs for convenience. Safety is not compromised either—you can count on airbags and ABS with EBD for added protection. All in all, Renault Kwid offers style without compromising safety.

10. Hyundai Grand i10 Nios

Hyundai Grand i10 Nios offers a range of options with five variants available. If you prefer CNG, options of fuel types like Magna or Sportz models are available to meet your requirements.

Grand i10 Nios has a 1.2-litre petrol engine offering manual and AMT transmission options. Loaded with features like an 8-inch display, wireless phone charger, and essential safety elements such as six airbags, ABS, ESC, and TPMS, Grand i10 Nios provides a stylish and secure driving experience. This Hyundai hatchback strikes the balance between style, performance and safety.

Conclusion

Finding the best hatchback cars in India is a journey filled with innovation, efficiency and style. Each car brings its strengths to the forefront. However, beyond eye-catching designs and impressive performances on the road, it is crucial to prioritise car insurance coverage for a worry-free driving experience that guarantees security.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In the dynamic Indian automotive market, where numerous affordable cars attract potential buyers, making a well-informed choice is not easy. Before deciding, you must consider several factors, such as features, mileage, and more. To help you shortlist options, we have compiled a list of the 10 popular small, affordable cars and their key specifications. Whichever car you choose, make sure to protect it with robust car insurance. Besides, it is mandatory to have motor insurance to drive a vehicle on Indian roads.

So, let’s move on to the list of India’s top 10 small affordable cars.

List of Small Affordable Cars in India

1.      Renault Kwid

Renault Kwid, often called the mini Renault Duster, combines an SUV’s performance with a hatchback’s compact body. Its rugged and SUV-inspired appearance boasts high ground clearance and a confident stance.

Beneath the hood, the Kwid is equipped with a 1.0-litre SCe 3-cylinder petrol engine, providing a power output of 54 PS and a torque of 72 Nm. Available in multiple variants like RXL, Neotech, RXE, and RXL AMT, among others, the Kwid offers versatility for various preferences.

Key Specifications:

• Mileage: Impressive up to 22.0 kmpl
• Engine Displacement: Ranging up to 999 cc
• Fuel Type: Petrol

2.      Tata Tiago

Tata Tiago is the most affordable car offering in Tata’s vehicle lineup. It is powered by a Revotron 1.2-litre, 3-cylinder engine, delivering a robust 86 PS of power and 113 Nm of torque.

Prioritising safety, the vehicle includes features such as an anti-lock braking system with EBD and CSC, a rear camera, and an impact-sensing auto door unlock.

Tiago enhances the driving experience with Harman’s 7-inch Connectnext infotainment system and 8 speakers. Additionally, it boasts automatic climate control, a cooled glovebox, and seamless Apple CarPlay and Android Auto connectivity. Available in multiple variants, including XE, XT, XZ, XTA, XZ+, and XZA.

Key Specifications:

• Mileage: Impressive up to 23.84 kmpl
• Engine Displacement: Ranging up to 1199 cc
• Fuel Type: Petrol

3.      Hyundai Grand i10 Nios

Hyundai Grand i10 Nios takes the lead among small cars in India with its exceptional best-in-segment features. In addition to a 20.25cm infotainment system, driver rear-view monitor, keyless entry, digital speedometer, voice control, and navigation system, it offers a range of advanced amenities. With several variants available, including Era, Magna, Sportz, and Asta, you can choose the model that suits your preferences.

Key Specifications:

• Mileage: Impressive up to 24.0 kmpl
• Engine Displacement: Petrol and CNG – ranging up to 1197 cc, diesel – up to 1186 cc
• Fuel Types: Petrol, diesel and CNG

4.      Maruti Swift

Maruti Swift, one of India’s best-selling small cars, continues its triumphant journey, now in its third-generation incarnation. It is powered by a BSVI-compliant 1.2-litre K12B 4-cylinder petrol engine, delivering a peppy 81 BHP of power and 113 Nm of torque.

Enhancing its appeal, the Swift cruises on R15 alloy wheels, elevating its aesthetics. Safety is paramount with features like rear parking sensors with a camera, a crash sensor, an anti-lock braking system, and a hill-control assist.

Key Specifications:

• Mileage: Impressive up to 22.0 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

5.     Maruti Baleno

Maruti Baleno, a standout in its class, is powered by a 1.2-litre VVT petrol engine, churning out a robust 84BHP of power and 140 Nm of torque. It boasts impressive exteriors, luxurious interiors, and many appealing features. Its windows feature UV-cut glass, protecting from harmful UV radiation and maintaining a cooler cabin environment.

In terms of appearance, Maruti Baleno makes a statement with distinctive project LED headlamps featuring LED DRLs, striking two-tone R16 alloy wheels, and elevated ground clearance. Available in various variants, including LXI, VXI, ZXI, and ZXI+.

Key Specifications:

• Mileage: Impressive up to 23.87 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

6.     Citreon C3

Citroen C3 is priced at ₹5.88 lakh. It offers two engine options and prioritising fuel efficiency with its six-speed manual transmission. Prominent features encompass height-adjustable driver seats, a user-friendly 10-inch touchscreen infotainment system, and a four-speaker sound system. Prioritising safety, it includes ABS with EBD, rear parking sensors, and dual front airbags.

Key Specifications:

• Mileage: Up to 19.4 kmpl
• Engine Displacement: Ranging up to 1199 cc
• Fuel Type: Petrol

7.     Maruti Wagon R

Maruti Wagon R, a beloved hatchback from Maruti, ranks among the best small cars in India. It offers two engine options paired with a five-speed manual transmission. The vehicle offers a seven-inch touchscreen display, a four-speaker music system, and steering-mounted audio and phone controls. Prioritising safety, it is equipped with ABS with EBD, dual front airbags, rear parking sensors, and a hill-hold assist system, ensuring passenger security.

Key Specifications:

• Mileage: Impressive up to 24.43 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

8.      Tata Altroz

Tata Altroz, available at ₹6.60 lakh to ₹10.74 lakh (ex-showroom Delhi), offers diverse options for various preferences. It is offered in six major variants: XE, XM, XM+, XT, XZ, and XZ+. Regarding boot space, both the petrol and diesel versions provide ample storage with 345 litres, while the CNG variants offer slightly less at 210 litres.

The Altroz offers three engine choices: a 1.2-litre naturally aspirated petrol engine generating 86 PS/113 Nm, a 1.2-litre turbo-petrol engine with 110 PS/140 Nm, and a 1.5-litre diesel engine producing 90 PS/200 Nm.

Key Specifications:

• Mileage: Impressive up to 25.11 kmpl
• Engine Displacement: For petrol engines, the capacity is limited to 1199 cc, while for diesel engines, the limit is set at 1497 cc.
• Fuel Types: Petrol and diesel

9.      Maruti Alto 800

Maruti Alto 800 is one of India’s most enduring and beloved small cars. It has maintained its prominence in the Indian automobile industry. This resilient vehicle has evolved to adapt to the ever-changing market, refining its design, specifications, and features. It offers a range of variants, including LXI, VXI, VXI Plus, and STD, among others.

Key Specifications:

• Mileage: Impressive up to 22.05 kmpl on petrol and 32.99 km/kg on CNG
• Engine Displacement: Ranging up to 796 cc
• Fuel Types: Petrol and CNG

10.      Maruti Ignis

Competitively priced, Maruti Ignis costs between ₹5.84 lakh and ₹8.16. It offers customers a choice of four primary variants: Sigma, Delta, Zeta, and Alpha.

When it comes to aesthetics, the Ignis stands out with a palette of six monotones and three dual-tone colours, offering options like Nexa Blue, Lucent Orange, Silky Silver, Turquoise Blue, Glistening Grey, Pearl Arctic White, Pearl Midnight Black, Lucent Orange with a black roof, Nexa Blue with a silver roof and Nexa Blue with a black roof.

Powering the Ignis is a 1.2-litre petrol engine that delivers 83 PS of power and 113 Nm of torque. Customers can choose between a 5-speed manual or a 5-speed AMT (automated manual transmission), offering a fuel efficiency of 20.89 kmpl.

Adding to its appeal, the Ignis features a 7-inch touchscreen infotainment system with Apple CarPlay and Android Auto compatibility. It also has LED projector headlights featuring DRLs (Daytime Running Lights) and automatic climate control for enhanced convenience.

Key Specifications:

• Mileage: Impressive up to 20.89 kmpl
• Engine Displacement: Ranging up to 1197 cc
• Fuel Type: Petrol

Frequently Asked Questions

1.      What are the popular cars under ₹6 lakhs?

The Indian automotive market offers a variety of small, affordable cars under ₹6 lakhs, including the Maruti Swift, Maruti Alto, Hyundai Grand i10, Maruti Baleno, Renault Kwid, Tata Altroz, Maruti S-Presso, Tata Tiago and Renault Triber.

2.      Are there any elegant small cars in India?

Yes, there are some small elegant cars like Maruti Baleno and Tata Altroz.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Updated on - 24 Apr 2026

Covers vintage car insurance, including its specialised coverage options, benefits, and tips for preserving classic cars. It also highlights the importance of accurate valuation.

With their old-world charm, vintage cars are fascinating, rare, and often expensive. Not only is the purchase cost high, but maintenance expenses are also significant. A commonly accepted definition of a vintage car is based on its manufacturing period, usually between 1919 and 1930.

Did you know that there is insurance specifically designed for such vehicles? Let us learn more about classic car insurance and how it works.

Types of Vintage Car Insurance

The Vintage and Classic Car Club of India (VCCCI) officially certifies vehicles as vintage or classic. There are three main classifications:

Vintage Cars

As per VCCCI standards, cars manufactured between 1919 and 1930 are considered vintage. Their value tends to remain stable, even after limited modifications.

Classic Cars

Vehicles produced between 1940 and 1970 fall under this category. These cars are generally expected to retain their original specifications. Major modifications may affect their classification.

Antique Cars

Vehicles manufactured between 1930 and 1940 are referred to as antique cars. These should retain their original design with minimal changes.

For insurance purposes, antique cars are generally grouped under classic cars. Policies such as classic car insurance or car insurance for classic cars are structured differently from standard motor insurance due to the unique nature of these vehicles.

There are two main types of vintage car insurance:

Stated Value Policy

This plan considers depreciation and is based on the owner’s declared value of the car.

Agreed Value Policy

Under this option, the insurer and owner mutually agree on the vehicle’s value. This is commonly used in classic car auto insurance, as it provides clarity on claim settlement.

Factors such as premium costs should always be evaluated before choosing a policy.

Factors Impacting Vintage Car Insurance

Several factors influence the premium and coverage under car insurance for classic vehicles:

Car Age

Insurers refer to VCCCI guidelines to determine classification and valuation. However, criteria may vary across insurers.

Maintenance Costs

Vintage cars often require specialised repairs. Insurers may inspect the vehicle to assess expected maintenance costs. Higher upkeep usually leads to higher premiums.

Spare Parts Cost

Spare parts for vintage cars are rare and often imported, making them expensive. This significantly affects insurance pricing.

Vehicle Valuation

Unlike modern vehicles, vintage cars do not have standard depreciation models. Their value depends on condition, rarity, and historical significance.

Conclusion

Vintage cars are valuable assets that require careful maintenance and protection. This has made vintage car insurance increasingly relevant for owners.

Before purchasing a policy, it is important to determine the correct classification of the vehicle and ensure proper certification from VCCCI. Accurate valuation helps both the owner and insurer agree on the sum insured.

Vintage cars are often used in rallies, exhibitions, and public events. A suitable policy, such as comprehensive car insurance tailored for vintage vehicles, should account for such usage and potential risks.

Choosing the best car insurance means checking coverage details, exclusions, and claim terms carefully to ensure adequate protection.

FAQs

1. What year does a car need to be for classic insurance?

The classification varies, but in India, cars manufactured between 1940 and 1970 are generally considered classic. Vintage cars are generally those built between 1919 and 1930, as per VCCCI guidelines.

2. What types of coverage may be available for vintage cars?

Vintage car insurance can include options like agreed value cover, protection against accidental damage or theft, and sometimes additional cover for events such as rallies or exhibitions.

3. Why might vintage cars require specialised insurance?

Vintage cars often need specialised insurance because they are harder to repair, their parts can be difficult to source, and their value is not fixed. Standard motor insurance may not fully account for these factors.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Choosing between front-wheel drive (FWD) and rear-wheel drive (RWD) is important when selecting a vehicle. It greatly impacts the handling, performance and overall driving experience. For car buyers looking to make an informed decision, it's important to have a comprehensive understanding of the differences between these two drivetrain configurations.

In this exploration, we will delve into the characteristics and differences between front-wheel drive and rear-wheel drive, shedding light on their advantages and considerations. This knowledge will help you navigate the world of cars effectively and choose a vehicle that aligns best with your preferences and driving needs.

What is Front Wheel Drive (FWD)?

Front-wheel drive (FWD) is a configuration where most of the engine's power goes to the vehicle's front wheels. In this setup, the front wheels transmit power from the engine to the road and steer the vehicle. This differs from rear-wheel drive (RWD), where power is sent to the rear wheels, and the steering is in the hands of the front wheels.

FWD vehicles typically offer certain advantages, such as traction in slippery conditions and easier handling. These factors contribute to their popularity as choices for daily commuting and family vehicles. It has fewer components than other drivetrain setups, resulting in lighter cars and improved fuel economy.

FWD is also ideal for driving in rainy conditions, and modern systems often include traction control for snow conditions. However, it's important to ensure car insurance coverage regardless of the driving scenario.

What is Rear Wheel Drive (RWD)?

Rear wheel drive (RWD) is a drivetrain configuration where the power from the engine primarily goes to the vehicle's rear wheels. In RWD vehicles, the rear wheels transmit power from the engine to the road and propel the vehicle forward. This differs from front-wheel drive (FWD), where the front wheels handle power delivery and steering.

RWD is often associated with performance-oriented vehicles due to its better balance and handling characteristics. The division of tasks between rear wheels contributes to improved traction during acceleration.

While RWD vehicles may not be as common as FWD in cars, they are popular in segments such as sports cars and luxury vehicles.

Differences Between Front-wheel Drive and Rear-wheel Drive

This table summarises Front-wheel Drive vs Rear-wheel Drive:

Frequently Asked Questions

Is it better to have FWD or RWD?

The choice between Front-wheel Drive (FWD) and Rear-wheel Drive (RWD) depends on preferences and specific requirements. Typically, FWD cars are popular for their fuel efficiency and spacious interiors, making them suitable for everyday driving. On the other hand, RWD cars are preferred for high-performance sports vehicles that offer enhanced capabilities.

Is RWD not safe?

Rear-wheel Drive (RWD) cars may not be a wise option for driving on snowy roads as they tend to oversteer or fishtail. In such conditions, especially when traction is reduced, RWD vehicles can present challenges in terms of stability and control.

Can FWD cars drift?

Technically, Front-wheel Drive (FWD) cars can perform drifting manoeuvres with the right technique, speed, and timing. However, it's crucial to note that attempting drifting should be limited to controlled environments like designated tracks. It is not recommended on private or public roads due to safety concerns.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

The Indian automobile market is a car enthusiast’s paradise. The most-selling cars in India range from compact hatchbacks to rugged off-roaders. These vehicles reflect the pulse of consumer preferences and encapsulate the essence of popularity and performance in the bustling Indian automotive landscape. Join us on this exploration to unveil the names and features of the cars that have successfully claimed the title of the most selling in India, showcasing their undeniable allure and widespread acclaim.

List of The Best-Selling Cars in India

Let us embark on a journey through the dynamic automotive landscape of India as we delve into the details of the best-selling cars in India. These vehicles, renowned for their fuel efficiency and cutting-edge features, serve as a testament to the discerning preferences of Indian automotive enthusiasts.

1.      Maruti Suzuki Brezza

The Maruti Suzuki Brezza, a stylish and robust vehicle, is at the top of India’s best-selling SUVs list. Its power comes from a 1.5-litre K-Series petrol engine, churning 101.65 BHP and 136.8 Nm of torque. The Brezza offers a five-speed manual and an automatic transmission, thanks to Smart Hybrid Technology. With a seating capacity of five, it provides ample room for passengers.

Moreover, its elevated ground clearance of 198 mm guarantees a comfortable ride, even on uneven or rugged roads.

Key Specifications:

• Ex-Showroom Price: Starting at ₹8.29 lakh
• Engine Displacement: 1462 cc
• Mileage:38 to 25.51 kmpl
• Fuel Types: Petrol and CNG
• Transmission Options: Manual/Automatic
• Boot Space: 328 litres
• Seating Capacity: 5
• Airbags: 6

2.      Hyundai Creta

Following closely on the list of Indian SUVs is the Hyundai Creta, available in a remarkable range of 7 variants. Starting with the base model, the Hyundai Creta E, and reaching the pinnacle with the Hyundai Creta SX Opt Turbo, Hyundai offers a choice for every preference.

The Creta SUV lineup features manual and automatic transmissions, delivering a robust power output of 138.08 BHP at 6000 RPM and a peak torque of 242 Nm at 1500-3200 RPM. With a seating capacity of 5, it’s ideal for larger families who enjoy embarking on journeys together.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.87 lakh
• Engine Displacement: 1493 – 1497 cc
• Mileage:8 – 23 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: 433 litres
• Seating Capacity: 5
• Airbags: 6

3.      Tata Nexon

Securing the second position among India’s top SUVs is the Tata Nexon, available in five enticing variants: XE, XM, XZ, XZ+ and XZA+. All these models feature a comfortable five-seater layout, making them suitable for various needs.

The Nexon boasts BS-VI-compliant petrol and diesel engines, delivering a robust performance.

The turbocharged engine impressively produces a maximum torque of 260 Nm at 1500-2750 RPM and a peak power of 113.31 BHP at 3750 RPM.

Key Specifications:

• Ex-Showroom Price: Starting at ₹8.10 lakh
• Engine Displacement: 1199 – 1497 cc
• Mileage:01 – 24.08 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: 382 litres
• Seating Capacity: 5
• Airbags: 6

4.      Hyundai Venue

Hyundai Venue secures the 4th spot among India’s best SUVs, boasting cutting-edge technologies and unique features. Its potent engine delivers a maximum power of 118.41 BHP at 6000 RPM and a peak torque of 172 Nm at 4500 RPM. The vehicle offers a generous ground clearance of 190 mm, ensuring smooth rides even on challenging terrains.

This 5-seater Hyundai model features an advanced control system, allowing drivers to effortlessly select from three drive modes and three 2WD traction modes using a single jog dial.

Key Specifications:

• Ex-Showroom Price: Starting at ₹7.89 lakh
• Engine Displacement: 998 – 1493 cc
• Mileage: Impressive 24 kmpl
• Fuel Types: Petrol/Diesel
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 350 litres
• Seating Capacity: 5
• Airbags: 6

5.      Tata Punch

Tata Punch is one of the most selling cars in India. One of India’s top compact SUVs, it offers 33 variants to cater to diverse preferences.

Beneath the hood, it houses a 1.2-litre petrol engine, delivering a spirited performance with a maximum power output of 86.63 BHP at 6000 RPM and a peak torque of 115 Nm at 32500 RPM.

Equipped with a 7-inch touchscreen display featuring connected car technology, the SUV complements this with a 7-inch semi-digital instrument panel. Prioritising safety, it includes dual front airbags, ABS with EBD, and front and rear parking sensors to enhance the driving experience.

Key Specifications:

• Ex-Showroom Price: Starting at ₹6 lakh
• Engine Displacement: 1199 cc
• Mileage: Impressive range from 18.8 to 26.99 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Generous 366 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 2
  

6.      Mahindra Bolero

Amongst India’s most popular cars is the Mahindra Bolero. Mahindra Bolero, a 7-seater SUV, starts at ₹ 9.79 lakh in India. It features a 1.5 litre diesel engine with manual transmission. It has a claimed mileage of 16 kmpl. It comes with a ground clearance of 180 mm. It comes in three variants and offers a choice of three attractive colours.

With a seating capacity of five, the Bolero prioritises safety with features such as an anti-lock braking system (ABS), reverse parking assistance, and dual airbags.

Key Specifications:

• Ex-Showroom Price: Starting at ₹9.79 lakh
• Engine Displacement: 1493 cc
• Mileage: A respectable 16 kmpl
• Fuel Type: Diesel
• Transmission: Manual
• Boot Space: Spacious 370 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 2

7.      Mahindra Scorpio N

If you’re searching for a 7-seater SUV in India, consider the Mahindra Scorpio N. It has a commanding performance with a maximum torque of 400 Nm at 1750-2750 RPM and a robust 172 BHP of power at 3500 RPM.

The Scorpio N has advanced features, including cruise control, auto headlamps with LED DRLs, automatic air conditioning, an 8-inch touchscreen infotainment system, and Bluetooth and AUX connectivity.

Key Specifications:

• Ex-Showroom Price: Starting at ₹13.25 lakh
• Engine displacement: 1997 – 2198 cc
• Mileage: Impressive range from 19.38 to 27.97 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 460 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 6

8.      Maruti Grand Vitara

Maruti Grand Vitara, recognised as one of India’s finest SUVs, offers versatility with options for both petrol and CNG engines, along with manual or automatic transmissions.

It features two impressive petrol engine choices: a 1.5-litre mild-hybrid petrol engine and a robust 1.5-litre strong-hybrid petrol engine, delivering maximum powers of 103PS and 116PS, respectively.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.70 lakh
• Engine Displacement: 1462 – 1490 cc
• Mileage: Impressive range from 19.38 to 27.97 kmpl
• Fuel Types: Petrol/CNG
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 373 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 6

9.      Kia Sonet

Kia Sonet stands out among compact SUVs. This versatile car has six trims: HTE, HTK, HTK+, HTX, HTX+ and GTX+.

Kia has equipped the Sonet with an electric sunroof and comfortable 5-seater configurations. Under the hood, it packs a punch, generating a maximum power of 114.41 BHP at 4000 RPM and a formidable 250 Nm of torque at 1500-2750 RPM. It is one of the most affordable SUVs in India, with a starting price of ₹7.79 lakh.

Key Specifications:

• Ex-Showroom Price: Starting at ₹7.79 lakh
• Engine Displacement: 998 – 1493 cc
• Mileage: Impressive 18.2 kmpl
• Fuel Types: Diesel/Petrol
• Transmission: Automatic
• Boot Space: Spacious 392 litres
• Seating Capacity: Accommodates 5 passengers
• Airbags: 6

10.      Kia Seltos

The Kia Seltos, another contender in India’s list of top 10 SUV cars, stands out as a remarkable compact SUV. Kia offers this compact SUV in three trims: Tech (HT) Line, GT Line and X-Line, each offering versatile 5-seating configurations.

Within the Tech (HT) Line, you’ll find five variants: HTE, HTK, HTK+, HTX and HTX+, while the GT Line comes in two variants: GTX(O) and GTX+.

Key Specifications:

• Ex-Showroom Price: Starting at ₹10.90 lakh
• Engine Displacement: 1482 – 1497 cc
• Mileage: A respectable range from 17.0 to 20.7 kmpl
• Fuel Types: Diesel/Petrol
• Transmission Options: Manual/Automatic
• Boot Space: Spacious 433 litres
• Seating Capacity: Accommodates 7 passengers
• Airbags: 6

Conclusion

Exploring the top-selling cars in India not only provides insights into popular choices but also underscores the importance of safeguarding these valuable investments. As car buyers navigate options, considering factors like performance, features, and fuel efficiency, it is equally essential to prioritise protection through comprehensive car insurance. Choosing the right insurance coverage ensures not only the longevity and well-being of the vehicle but also peace of mind for the owner. As the automotive landscape evolves, a thoughtful combination of a top-selling car and a robust insurance plan ensures a secure and enjoyable journey on India’s diverse roads.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

If you’re on the hunt for the perfect SUV that suits your needs, you’ve come to the right place. In the diverse world of automobiles, SUVs (Sports Utility Vehicles) have become extremely popular, winning over consumers with their stylish looks, performance capabilities, and versatility. The SUV market in India has witnessed tremendous growth, with manufacturers introducing innovative designs, cutting-edge technology and impressive features to meet the demands of potential customers. Choosing the best SUV goes beyond practicality; it reflects an individual’s lifestyle, aspirations and desire for a seamless driving experience.

Detailed List of the Best SUV Cars in India

Car enthusiasts look for various features before giving their verdict. You may be one of them or simply looking for a car that meets your varied requirements. SUVs remain a popular choice for car enthusiasts as well as those looking for comfort on wheels. Whether it is the seating capacity, high ground clearance to enable the car to absorb road shocks or comfortable and spacious interiors, the popularity of SUVs keeps rising. If you’re considering purchasing one, here’s a compilation of the best SUVs in India that exemplify power, comfort, and contemporary design while ushering in an era of automotive advancement.

1.      Maruti Suzuki Brezza | Starting at ₹8.29 lakh

Thanks to its affordability, Maruti Suzuki Brezza leads the pack as one of India’s highest-selling SUVs. This SUV boasts an impressive exterior coupled with robust features and is powered by an impressive 1.5-litre K-Series petrol engine that churns out 101.65 BHP of power and 136.8 Nm of torque.

With the integration of Smart Hybrid Technology, the Brezza offers versatility in driving experience, giving you the choice between a five-speed manual or an automatic transmission. With a capacity for up to 5 passengers, its elevated ground clearance of 198 mm ensures a smooth ride on challenging roads.

2.      Tata Punch | Starting at ₹6 lakh

This compact SUV makes a statement with a line-up of 33 different variants. Powered by a 1.2-litre petrol engine, this small powerhouse delivers power of 86.63 BHP at 6000 RPM and generates a torque of 115 Nm at 32500 RPM.

Safety and modernity are priorities in the Tata Punch, equipped with features like a car technology-enabled 7-inch touchscreen display, a semi-digital instrument panel measuring seven inches, dual front airbags, ABS with EBD (Electronic Brakeforce Distribution) and front and rear parking sensors. With its style, efficiency and advanced safety features, the Tata Punch stands out as an appealing choice in India’s competitive SUV market.

3.      Hyundai Venue | Starting at ₹7.89 lakh

The Hyundai Venue comes in as the most affordable contender on our list of SUV cars in India. It’s a compact powerhouse that combines technologies and unique features. With a starting price of just ₹7.89 lakh, the Venue offers an engine that can generate a maximum power of 118.41 BHP at 6000 RPM and a torque of 172 Nm at 4500 RPM. This 5-seater SUV also boasts a ground clearance of 190 mm, providing both style and substance.

One standout feature of the Hyundai Venue is its control system, allowing car owners to easily switch between three drive modes and three 2WD traction modes using a jog dial.

4.      Tata Nexon | Starting from ₹8.10 lakh

With a starting price of ₹8.10 lakh, the Nexon establishes itself as a perfect option for those looking for a well-rounded SUV experience in India. This feature-packed car is available in five variants. XE, XM, XZ, XZ+ and XZA+, all featuring a seating arrangement for five people, the Nexon stands out for its versatility and stylish design.

Tata Nexon’s petrol and diesel engines comply with BS VI standards and deliver robust performance. The Turbocharged engine generates a torque of 260 Nm at 1500-2750 RPM and achieves a maximum power output of 113.31 BHP at 3750 RPM. Safety is also paramount in the Tata Nexon, which has six airbags and a feature-rich interior.

5.      Mahindra Bolero | Starting at ₹9.79 lakh

If you’re in the market for top-selling SUVs in India, the Mahindra Bolero is worth considering. It comes with a 1.5-litre diesel engine paired with a 5-speed manual transmission. The Bolero offers a powerful and efficient performance with a maximum power of 75 BHP at 3600 RPM and torque of 210 Nm at 1600-2200 RPM.

Safety is not compromised either, as it includes features like an anti-lock braking system (ABS), reverse parking assistance, and dual airbags to ensure both practicality and peace of mind.

6.      Hyundai Creta | Starting from ₹10.87 lakh

Continuing our exploration of the best SUV cars in India, we come across the Hyundai Creta, a name synonymous with elegance and performance. The Hyundai Creta SUV offers a range of options with seven variants. Whether you prefer the base model Creta E or the top-tier Creta SX Opt Turbo, there’s something for everyone.

You’ll find automatic and manual transmissions in the Creta line-up, providing a maximum power output of 138.08 BHP at 6000 RPM and 242 Nm at 1500-3200 RPM torque. With seating for up to five people, it’s a family car that offers comfortable seating. 

7.      Honda Elevate | Starting at ₹10.99 lakh

Meanwhile, the Honda Elevate provides an added touch of luxury with features such as a pane sunroof and advanced driver assistance systems available through the Honda Sensing package. Powered by the 1.5-litre i-VTEC petrol engine, it delivers a peak output of 89 kW (119 hp) and 145 Nm of torque for a powerful and responsive driving experience. These attributes make the Elevate an enticing choice for those seeking sophistication and performance in a compact SUV. The car covers all the aspects well and excels in the areas most important for everyday driving.

8.      Maruti Grand Vitara | Starting at ₹10.70 lakh

Maruti Grand Vitara confidently takes its place as one of the best SUVs in India. It offers versatility with options for both petrol and CNG engines as manual or automatic transmission choices. The Grand Vitara comes equipped with two petrol engine options: a 1.5-litre petrol engine and a 1.5-litre hybrid petrol engine. These engines deliver 103PS and 116PS, respectively, ensuring a dynamic driving experience for SUV enthusiasts. This 5-seater is perfect if you are looking for a compact design with robust performance catering to your everyday needs.

9.      Kia Seltos | Starting at ₹10.90 lakh

The Kia Seltos has quickly become a standout in the compact SUV category, offering a combination of style, performance, and advanced features. With multiple variants and three trims catering to a range of buyers, from practicality-focused individuals to those seeking a sportier driving experience. The Seltos comes with 6 airbags and a boot space of 433 litres. It offers a 17-27.7 km/l mileage and an engine displacement of 1482-1497 cc. It comes in both 5- and 7-seater arrangements. Its sleek, modern exterior design and various high-tech features set it apart in the crowded SUV market.

10.      Mahindra Scorpio N | Starting at ₹13.25 lakh

Looking for a perfect 7-seater SUV in India? The Mahindra Scorpio N is a great choice. This feature-packed car has a robust engine delivering a torque of 400 Nm at 1750-2750 RPM and a maximum power of 172 BHP at 3500 RPM. The Scorpio N ensures a comfortable and connected journey with advanced features like cruise control, auto headlamps with LED DRLs, auto AC, an 8-inch infotainment system, and Bluetooth and AUX connectivity.

Conclusion

Whether you’re looking for a compact and city-friendly SUV or an off-road capable one, plenty of options suit different preferences. By exploring car insurance coverage options specifically designed for SUV owners, you not only ensure protection on the road but also gain peace of mind.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.